Research coverage — 0/16 categories

LIT

Best forNot enough verified categories yet

EarnsSee reward categories below

1st Year / Joining Fee

₹49 + taxes

Renewal Fee

Not recorded

Fee waiver

Not recorded

Network

Not recorded

LIT

How you earn

Reward rates at a glance — exactly as recorded for this card.

No earning category has been verified yet — see the category table for the current status of each.

All 16 reward categories · 0 of 16 categories verified

Category	Rate	Cap	Condition
Rent	Varies	—	Depends on how the transaction is processed Details Status Depends on how the transaction is processed Issuer note AU LIT customizable card: reward multipliers (5X/10X) and feature benefits require user-selected features and fees. Cannot assign arbitrary static configuration.
Education	Varies	—	Depends on how the transaction is processed Details Status Depends on how the transaction is processed Issuer note AU LIT customizable card: reward multipliers (5X/10X) and feature benefits require user-selected features and fees. Cannot assign arbitrary static configuration.
Insurance	Varies	—	Depends on how the transaction is processed Details Status Depends on how the transaction is processed Issuer note AU LIT customizable card: reward multipliers (5X/10X) and feature benefits require user-selected features and fees. Cannot assign arbitrary static configuration.
Utilities	Varies	—	Depends on how the transaction is processed Details Status Depends on how the transaction is processed Issuer note AU LIT customizable card: reward multipliers (5X/10X) and feature benefits require user-selected features and fees. Cannot assign arbitrary static configuration.
Fuel	Varies	—	Depends on how the transaction is processed Details Status Depends on how the transaction is processed Issuer note AU LIT customizable card: reward multipliers (5X/10X) and feature benefits require user-selected features and fees. Cannot assign arbitrary static configuration.
Groceries	Varies	—	Depends on how the transaction is processed Details Status Depends on how the transaction is processed Issuer note AU LIT customizable card: reward multipliers (5X/10X) and feature benefits require user-selected features and fees. Cannot assign arbitrary static configuration.
Dining	Varies	—	Depends on how the transaction is processed Details Status Depends on how the transaction is processed Issuer note AU LIT customizable card: reward multipliers (5X/10X) and feature benefits require user-selected features and fees. Cannot assign arbitrary static configuration.
Food Delivery	Varies	—	Depends on how the transaction is processed Details Status Depends on how the transaction is processed Issuer note AU LIT customizable card: reward multipliers (5X/10X) and feature benefits require user-selected features and fees. Cannot assign arbitrary static configuration.
Shopping	Varies	—	Depends on how the transaction is processed Details Status Depends on how the transaction is processed Issuer note AU LIT customizable card: reward multipliers (5X/10X) and feature benefits require user-selected features and fees. Cannot assign arbitrary static configuration.
Travel	Varies	—	Depends on how the transaction is processed Details Status Depends on how the transaction is processed Issuer note AU LIT customizable card: reward multipliers (5X/10X) and feature benefits require user-selected features and fees. Cannot assign arbitrary static configuration.
Government	Varies	—	Depends on how the transaction is processed Details Status Depends on how the transaction is processed Issuer note AU LIT customizable card: reward multipliers (5X/10X) and feature benefits require user-selected features and fees. Cannot assign arbitrary static configuration.
Wallet	Varies	—	Depends on how the transaction is processed Details Status Depends on how the transaction is processed Issuer note AU LIT customizable card: reward multipliers (5X/10X) and feature benefits require user-selected features and fees. Cannot assign arbitrary static configuration.
Railways	Varies	—	Depends on how the transaction is processed Details Status Depends on how the transaction is processed Issuer note AU LIT customizable card: reward multipliers (5X/10X) and feature benefits require user-selected features and fees. Cannot assign arbitrary static configuration.
FASTag	Varies	—	Depends on how the transaction is processed Details Status Depends on how the transaction is processed Issuer note AU LIT customizable card: reward multipliers (5X/10X) and feature benefits require user-selected features and fees. Cannot assign arbitrary static configuration.
Jewellery	Varies	—	Depends on how the transaction is processed Details Status Depends on how the transaction is processed Issuer note AU LIT customizable card: reward multipliers (5X/10X) and feature benefits require user-selected features and fees. Cannot assign arbitrary static configuration.
Telecom	Varies	—	Depends on how the transaction is processed Details Status Depends on how the transaction is processed Issuer note AU LIT customizable card: reward multipliers (5X/10X) and feature benefits require user-selected features and fees. Cannot assign arbitrary static configuration.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee

₹49 + taxes

Renewal Fee

Not recorded

Fee waiver

Not recorded

Reward caps

Multiple — 10,000 RP / statement (shared cap — Multiple)

Important to know

Limits and exclusions that change what you earn.

Multiple rewards are capped at 10,000 RP / statement (shared cap — Multiple)

Who should consider this card

✓ Good fit if

△ Less useful if

You do not want to pay an annual fee

Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 0 no-reward categories

Caps

Multiple — 10,000 RP / statement (shared cap — Multiple)

Categories with no reward or not eligible

None recorded.

Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to AU's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications

Payment network: Not recorded
Airport lounge: Not recorded by DhanChakshu — check the issuer terms
Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms

What DhanChakshu couldn't fully verify · 20 areas

20 areas need further verification. None of these are counted as zero.

• Rent — depends on how the transaction is processed
• Education — depends on how the transaction is processed
• Insurance — depends on how the transaction is processed
• Utilities — depends on how the transaction is processed
• Fuel — depends on how the transaction is processed
• Groceries — depends on how the transaction is processed
• Dining — depends on how the transaction is processed
• Food Delivery — depends on how the transaction is processed
• Shopping — depends on how the transaction is processed
• Travel — depends on how the transaction is processed
• Government — depends on how the transaction is processed
• Wallet — depends on how the transaction is processed
• Railways — depends on how the transaction is processed
• FASTag — depends on how the transaction is processed
• Jewellery — depends on how the transaction is processed
• Telecom — depends on how the transaction is processed
• Lounge benefit — not recorded; check the issuer terms
• Fuel surcharge waiver — not recorded; check the issuer terms
• Foreign-currency markup — not recorded; check the issuer terms
• Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-23

Verification coverage: 0 of 16 categories verified · 16 still being verified

Card record last checked: 2026-09-23

Documents used

AU Small Finance Bank — LIT Official Product Documentation · SRC-AU-10 · 2026-09-23